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Sequim WA Auto Insurance Coverage [FAQ]
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You Don’t Need Auto Insurance Coverage… Up Until You Do
#AccidentsHappen

We write car insurance for Sequim drivers and lots of it. If you want to get the very best auto insurance at a low-price, what would you do? Chill, economical car insurance coverage is our expertise. We want to be your insurance shopper. We will get you insured now with immediate proof of insurance so you can not worry.

If you got a ticket for no insurance, you can get properly insured before you go to court so that you can drive legally and potentially get your court fine minimized. Our agency offers insurance for Sequim and all of Clallam County and we are the general auto insurance experts. Regardless of where you are driving in the state, farm, city, or on the freeway insurance is needed. Just insure yourself right away!

Select the coverage you require at a cost you can manage. We concentrate on representing the progressive insurance providers that have the very best rates for common american family motorists in Sequim.

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Worried about who to count on to handle your insurance needs? Have a look at the wonderful Google Reviews shared by our customers. Can 1300+ individuals be wrong? As soon as you are prepared to get your car insurance coverage set up, talk to us for a quick and complimentary insurance quote. A general car insurance quote from us is much less expensive than All State Farm Ers.

Car insurance Sequim
Auto insurance Sequim

Are you required to have cars and truck insurance in Sequim Washington?

Washington state demands a driver in Sequim to be able to prove financial responsibility either by having automobile insurance coverage or by pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing. We can get you started with the vehicle insurance.

What is the fine for driving without automobile insurance in Sequim Washington?

The penalty for driving a automobile or motorcycle in Sequim without insurance is up to $550. If you don’t have insurance coverage and are at-fault in a wreck, you might have your license suspended for approximately 3 years and be required to get an SR22 to get your license restored.

What is the least expensive car insurance?

The cheapest car insurance coverage you can buy is basic liability protection. This pays for any damage you trigger to someone else up to your policy limits. It is the least amount of protection Washington state authorizes. We definitely recommend more protection but the choice is yours.
Car & Truck insurance Sequim

What company has the cheapest car insurance?

The most affordable car or truck insurance depends upon a number of ‘responsibility’ aspects and just how much each insurer weights each factor.

  • If your driving history is clear, you have great credit, and you have actually paid for higher liability limits for a number of years, Safeco and Progressive will most likely have the very best prices for you.
  • If your driving MVR is spotless but you haven’t had insurance coverage or have simply had the state minimum, Progressive or National General will most likely have the best prices for you.
  • If you have actually picked up a couple tickets or had a crash, National General or Dairyland will probably have the best rates for you.
  • If you have actually had more than 2 car accidents or are collecting tickets like Pokemon, then The General or Kemper Specialty will most likely offer the best rate for you.

Among the benefits of using an independent agent is that we partner with several insurance companies and can look around your insurance coverage for you and get you the very best rate possible.

Do I really need to buy automobile insurance?

Auto insurance coverage can be expensive, so you may ask yourself if you really have to have it. Washington state does call for you to carry a minimum level of liability insurance coverage for a reason. And, believe it or not, it is not to help make insurance providers abundant. Nevertheless is insurance really important?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic wrecks took place and 3,144,000 individuals were hurt in those traffic collisions and 37,461 individuals died, approximately 102 people every day, one death every 14 minutes.

Another word for “liable” is “responsible.” So, if you are responsible for mishap, you need responsibility insurance aka liability insurance in order to ensure financial relief to the victims of the accident.

Attempt to envision a country without cars and truck insurance. Every time you went for a drive, you would be risking your bank account and your future paychecks. Insurance is created to help protect you from costly and sometimes devastating surprises including legal costs if you are brought to justice due to a crash.

The worth of good insurance coverage is just revealed when you need it most. In other words, you do not require insurance … until you do. #AccidentsHappen

5 Reasons Why You Needed To Have Car Insurance Coverage

  1. Take care of medical expenses for you and your guests after a traffic collision
  2. Secure the investment you have in your car
  3. Cover you, your passengers, and your car if hit by an uninsured driver
  4. Protect your house, savings accounts, and other possessions from a claim
  5. Save a lot of money later on by spending a little right now

So, do you actually need to have auto insurance coverage? Only if you wish to secure your assets and drive legally. Your other choice is to get friendly with your neighborhood bus or uber driver.

What are the Washington state auto insurance coverage laws?

Washington state demands all drivers to carry a minimal amount of liability insurance to lawfully drive in the state. You are expected by the Financial Liability Law to be able to show evidence of financial responsibility if you are driving a car. The most convenient method to fulfill these requirements is to get auto insurance.

The minimum automobile insurance needed in Washington state is as follows:

  • Bodily Injury Liability Protection: $25,000 per person and $50,000 per accident
  • Property Damage Liability Protection: $10,000 per accident

Personal Injury Protection and Uninsured Motorist coverages must be made available by the insurance provider however the law permits you to refuse them by signing a rejection form.

Not only must you have insurance, but the law also requires that any time you are driving in the state, you should have the ability to present your evidence of car insurance coverage to the police.

Failure to display evidence of insurance when requested by a law enforcement officer is regarded as a violation and can result in fines of as much as $550.

Car insurance Sequim

Can I get Auto insurance without a driver’s license?

You can obtain car insurance even when you don’t have a driver license. You may well question why someone would need to however there are a number of legitimate reasons someone might , all involving safeguarding themselves and their assets.

  • You have a foreign driver’s license and are visiting the United States.
  • You’re trying to get your license and require drive your learner’s permit before taking the driving test.
  • You do not drive but you have a teen who wishes to drive but you have to purchase the car in your name because they are a minor.
  • Your license is suspended, you most likely wish to get insurance coverage and an SR22 filing so you can get your license back.
  • You do not operate a vehicle for health reasons but you own a car and a relative or a caretaker drives for you.

In all these situations and more we can help you in getting insurance even if don’t have a driver’s license.

You are not legally required to have a drivers license in order to purchase car or truck insurance coverage but the majority of the big-name insurance companies, like Allstate, American Family, GEICO, and State Farm, will not be able to help you without a drivers’s license. Likewise, some representatives might not be familiar with how and why this can be done or might simply not wish to bother and for that reason will brush you off with a quick ‘sorry’. Let us help. We know our stuff.

Vehicle insurance Sequim

Should I just get state minimum liability limits?

Bare minimum liability coverage is hardly ever recommended but it’s far better than no insurance coverage at all, particularly if you can not budget for a lot more.

If you have no savings or assets, minimal liability coverage might be enough however it would not be enough to pay for severe injuries or to repair/replace a newer auto. Without enough insurance, your future wages might be garnished to cover the damage you create.

If you just have the state-required $10,000 property damage and wreck a car worth say $20,000, the insurer will pay the $10,000 but you will be accountable for the rest.

Basically, you are self-insuring for anything over the insurance limits you have purchased. If you don’t intend to have your wages garnished or your possessions sold off, seriously think about purchasing greater limits of liability.

Should I drive a car I just bought without insurance?

You can not by law drive a car without having insurance. Even if you just now purchased it. Washington state requires all cars or trucks driven on public roads to be properly insured. The fact that you just now purchased the vehicle does not change the requirement.

Luckily, if all of your presently owned autos are insured with one insurer then the insurance coverage on those automobiles by default transfers for a few days (check with your insurer to find out precisely the length of time).

If all of your automobiles are not insured with one company, you will wish to call your insurer before you drive off with the car. If you do not have insurance coverage, you should call Mid-Columbia Insurance prior to driving off with the car

How can I analyze insurance coverage quotes?

To review and find the most ideal quote, you will need to consider 3 steps:

  1. Make certain you are requesting each agent provide the very same coverages
  2. Ensure that you have each company quote you with the exact same driving history
  3. Make certain you assess the insurer’s online reviews

It is really simple for an insurer to have a lower price if they are offering reduced insurance coverage or are not including the exact same tickets and wrecks. Make sure you’re receiving an accurate comparison. Select the exact same package of protections, limits, and deductibles and the exact same driving MVR for each quote you request.

After you’ve received a handful of insurance quotes, factor in the helpfulness of the representative you talked to and how well they explained things and if they suggested other coverages. Then check the agency’s Google Reviews to ensure they satisfy your standards.

At this time you are prepared to select the agency that is the best fit for you and we feel confident it is Mid-Columbia Insurance.

Car & Truck insurance Sequim

Who may I cover to drive my vehicle?

You ought to list anyone who repeatedly drives your car or truck onto your policy so there is no doubt of insurance coverage if a wreck occurs. Everyone in your home or that has routine access to your auto should also be added because virtually every insurance plan requires you divulge them and either add them as an operator or exclude them from policy coverage.

Where can I receive the most inexpensive vehicle insurance

Sometimes the cheapest price is not the very best deal. Are you getting the protection you need? Does the policy have limits and exclusions that are satisfactory to you?

A simple method for an insurance company to have low rates is to fight every claim. Select an insurer with a good reputation and not a company whose only advertising is about saving you 15% or saving those who switch some fake dollar amount – you understand it is a lie. They know it works.

If you are just trying to find the lowest rate you have a number of options:

  • Stop collecting tickets like others collect Pokemon.
  • Raise your deductibles.
  • Get quotes from a number of companies. Each insurance company weighs rating aspects in a different way so prices can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurance companies for you.
  • Just take the protections you have to have.

Is Washington a no-fault auto insurance state?

Washington is not a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all parties involved in an auto accident may share some liability when establishing compensation for damages. Comparative negligence may enable both the claimant as well as the plaintiff to recover compensation for damages if they are partially responsible for the crash.
Vehicle insurance Sequim

When is usually a good time to buy insurance coverage?

When you move across major life situations you should reassess your vehicle insurance policy coverages as well as check if you qualify for more discounts. Here are some points when your rates are most likely to adjust. If the change is substantial, it may be time get a new quote.

  • Putting on a teenage driver – They are three times as likely to be involved in an accident, so consider yourself fortunate if your insurance rate only doubles.
  • Acquiring a new auto – the insurer that had the very best rate for your one car or truck might not be best with this one.
  • Acquiring a new house – You may now live in a different rating zip code as well as you may now qualify for the homeowner’s discount and possibly the bundling discount.
  • Adjustment of your credit history – if it significantly improves, ask your insurer if they can re-order your credit rating.
  • Marriage or Separation – Major life change. May or may not affect your price
  • DUI or other significant violation – If your present insurer discovers it, you will certainly be seeing a rate hike at your following renewal.
  • Adding or taking off a driver from your plan – might either raise or reduce your rate depending on their age as well as their driving history.
  • Relocating – every postal code has a different price and every insurance company has different variables for those postal codes.
  • Crash – You most likely will forfeit your Safe Driver Discount even if the car accident was not your fault.

Do you need cars and truck insurance coverage to get your driver license

Automobile insurance is not needed to obtain your Washington driver’s license but when you take the driving examination, you must show to the instructor proof that the car you are planning to use is insured.

So, if the automobile belongs to another person, you can just show the owner’s insurance to the driving instructor. Only make certain, for your safety and security and also the automobile owner’s, that their plan will cover you as a vehicle driver.

Why are you delaying?

Mid-Columbia Insurance works with insurers like Dairyland, Progressive, Safeco, National General, Kemper Specialty, Bristol West, Foremost, The General, and also other companies that millions have come to know and trust.

Likewise, because of the variety of companies we partner with, we can cover most cars and also most drivers even if they are categorized as a risky driver. Despite your driving MVR, if it is perfect, poor, or horible, we should be able cover you.

Why just sit there? Call us today at ( 509 )783-5600 or Request A Quote here to get your complimentary auto quote.

Vehicle insurance Sequim

Testimonials & Referrals

5 Star Review Completely helpful in all the questions I asked were answered. If I didn’t already have insurance comparable I would of switched. I stayed with my insurance company even though im paying a couple of $$ more. Great customer service.
Kathleen Cullen

5 Star Review Gary gave me a very good insurance rate
Barb Kelly

5 Star Review We’ve been with Mid-Columbia for years and are very satisfied. Daisy is awesome and always gets us the best rates and coverage, fast and easy..👍
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About Sequim

Sequim is a city in Clallam County, Washington, United States. The 2010 census counted a population of 6,606. With the surrounding area, the population is about 28,000. The population served by the Sequim School District population was close to 29,000 in 2018. Sequim is located along the Dungeness River near the base of the Olympic Mountains.

Sequim lies within the rain shadow of the Olympic Mountains and receives on average less than 16 inches (410 mm) of rain per year – about the same as Los Angeles, California – leading it to give itself the nickname of Sunny Sequim. However, the city is relatively close to some of the wettest temperate rainforests of the contiguous United States. This climate anomaly is sometimes called the “Blue Hole of Sequim”. Fogs and cool breezes from the Juan de Fuca Strait make Sequim’s climate more humid than would be expected from the low average annual precipitation. Some places have surprisingly luxuriant forests dominated by Douglas-fir and western red cedar. Black cottonwood, red alder, bigleaf maple, Pacific madrone, lodgepole pine, and Garry oak can also be large. Historically, much of the area was an open oak-studded prairie supported by somewhat excessively drained gravelly sandy loam soil, though agriculture and development of the Dungeness valley have changed this ecosystem. Most soils under Sequim have been placed in a series that is named after the city. This “Sequim series” is one of the few Mollisols in western Washington and its high base saturation, a characteristic of the Mollisol order, is attributed to the minimal leaching of bases caused by low annual rainfall.

The city and the surrounding area are particularly known for the commercial cultivation of lavender, supported by the unique climate. It makes Sequim the “Lavender Capital of North America”, rivaled only in France. The area is also known for its Dungeness crab.

Source: Sequim, Washington in Wikipedia

Best Car Dealerships Near Sequim

Rocha Family Auto Sales
9 reviews
Used Car Dealers, Auto Loan Providers
+13607971202
261861 Hwy 101, Sequim, WA 98382
Wilder Auto Center
31 reviews
Car Dealers
+13604529268
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Wilder Auto Center – Service
13 reviews
Auto Repair
+18883870687
53 Jetta Way, Port Angeles, WA 98362
Bill Koenig Chevrolet Oldsmobile Subaru
14 reviews
Car Dealers
+13605650600
3501 E Hwy 101, Port Angeles, WA 98362

Top Places to Visit Near Sequim

The Oak Table Cafe
569 reviews
Breakfast & Brunch, American (Traditional)
+13606832179
292 W Bell St, Sequim, WA 98382
Nourish Sequim
290 reviews
Gluten-Free, American (Traditional)
+13607971480
101 Provence View Ln, Sequim, WA 98382
Alder Wood Bistro
218 reviews
American (New), Bars
+13606834321
139 W Alder St, Sequim, WA 98382
Pacific Pantry Artisan Deli
146 reviews
Delis, Sandwiches
+13607971221
229 S Sequim Ave, Sequim, WA 98382